The scapula forms the back of the shoulder girdle. In humans, it is a flat bone, roughly triangular in shape, placed on a posterolateral aspect of the thoracic cage.
Term life insurance with a return of premium rider allows the owner to get his or her money back at the end of the contract period. The return of premium rider allows the owner to cancel the policy and get back a portion of the paid in premiums. Of course, this optional rider has pros and cons, which we explore next.
Save. Term life insurance policies are life insurance policies that provide temporary coverage up to age 85. The maximum age you can renew your policy will depend entirely on the type of policy you purchase.nnual Renewable Term. Annual renewable term life is life insurance that renews every year. This type of life insurance automatically renews up to age 85. Beyond this age, you will not qualify for any type of life insurance and your term policy will be canceled.